#Rails

Articles about Rails — exploring patterns, best practices, and real-world implementations in production systems.

16 posts tagged with rails. ← All posts

#A2A (5)#ADK (8)#AG-UI (7)#AI Agents (244)#AI Governance (7)#AML (3)#Accounting (9)#Agent Skills (3)#Agentic AI (23)#Agentic Commerce (12)#Agents (4)#Architecture (22)#Audit (3)#Azure (11)#Azure AI Foundry (10)#BigQuery (6)#Capital Markets (8)#Cards (13)#Checkpointing (5)#Cloud Architecture (3)#Compliance (30)#Concurrency (4)#Context Providers (3)#Conversation State (3)#Cost Optimisation (5)#Credit (14)#Crypto (12)#Custody (9)#Distributed Systems (3)#Engineering (7)#Evaluation (5)#FREE-AI (8)#FX (5)#FinOps (5)#FinTech (6)#Financial AI (14)#Fintech (116)#Fraud (10)#Function Tools (6)#GCP (5)#Go (168)#Google ADK (26)#Governance (5)#Guardrails (7)#HIPAA (3)#Harness Engineering (8)#Human-in-the-Loop (7)#KYC (11)#Kubernetes (6)#LLM (4)#LangGraph (11)#Ledger (12)#Lending (14)#MCP (5)#Machine Learning (12)#Markets (4)#Memory (5)#Microsoft Agent Framework (211)#Middleware (9)#Multi-Agent (8)#Multi-Agent AI (14)#Multimodal (4)#Observability (14)#Open Source (6)#OpenTelemetry (5)#Opinion (6)#Orchestration (15)#Payments (49)#Privacy Engineering (3)#Providers (3)#Python (127)#RAG (6)#RBI (3)#Rails (16)#Reconciliation (3)#Regulation (8)#Reliability (15)#Retrieval (3)#Risk (13)#SRE (3)#Security (24)#Sessions (4)#Settlement (9)#Spanner (4)#Streaming (4)#Structured Output (4)#Testing (6)#Trading (8)#Treasury (5)#Workflows (15)
Pratik Dhanave · ·6 min read

The Card Payment Actors Map: Who Actually Does What

One reference model of every party in a card transaction — cardholder, merchant, gateway, acquirer/processor, scheme, and issuer — and the settlement path that moves the real money back the other way.

One reference map of who does what in a card payment: cardholder, merchant, gateway, acquirer/processor, scheme, issuer, and the settlement return path.

#Fintech#Payments#Rails
Pratik Dhanave · ·6 min read

Engineering SEPA: Mandates, Sequence Types, and the R-Transaction State Machine

How to engineer SEPA SCT and SDD flows: mandate lifecycle storage, pre-notification timing, FIRST/RCUR sequence types, and the R-transaction taxonomy modeled as an explicit state machine.

Teaches how to engineer SEPA SCT and SDD flows: mandate lifecycle storage, pre-notification timing, FIRST/RCUR sequence types, and the R-transaction taxonomy (reject/return/refund/reversal/revocation) as a state machine.

#Fintech#Payments#Rails
Pratik Dhanave · ·6 min read

Threading a UETR Through SWIFT MT-to-MX Migration

How to parse legacy MT103/MT202 fields, map them to MX pacs equivalents during coexistence, and thread a gpi UETR end-to-end so a cross-border payment stays trackable across correspondent hops.

Teaches how to parse legacy MT103/MT202 fields, map them to MX pacs equivalents during coexistence, and thread a gpi UETR end-to-end so a cross-border payment is trackable across correspondent hops.

#Fintech#Payments#Rails
Pratik Dhanave · ·6 min read

Building for Instant Payments: RTP, FedNow, and Request-for-Payment

How to engineer for 24x7 irrevocable instant credit — synchronous ISO 20022 messaging, request-for-payment flows, and idempotent liquidity checks with no batch cutoff.

Teaches how to build for 24x7 irrevocable instant credit: synchronous ISO 20022 request/response, request-for-payment (RfP) flows, credit-transfer timeouts, and idempotent liquidity checks at the rail with no batch cutoff.

#Fintech#Payments#Rails
Pratik Dhanave · ·7 min read

Building a NACHA ACH File Processor: Records, Hash Totals, and Return Codes

Model the fixed-width record hierarchy, warehouse entries until their effective date, and turn R-series returns into automated re-presentment.

Teaches how to build a NACHA file processor: fixed-width file/batch/entry/addenda record hierarchy, hash totals, effective-entry-date windows, and handling R-series return/NOC codes with automated re-presentment logic.

#Fintech#Payments#Rails

All posts on this site are written by Pratik Dhanave, an Agentic AI Architect with 7+ years building production distributed systems, multi-agent AI platforms, and cloud-native infrastructure. About the author → Each article includes working code, architecture diagrams, and references to the specific frameworks and standards discussed. Browse all posts or explore related topics using the tag cloud above.